Program Analysis
First-year earnings of $40,113 track close to the $41,690 national median for Teacher Education programs. This is a middle-of-the-road outcome on salary alone.
At 10.0x the cost of in-state tuition, the ten-year earnings outlook represents a strong return. Not exceptional, but meaningfully positive.
AI risk is moderate — 43% task exposure — and the 3% scenario spread suggests disruption would dent but not destroy the earnings outlook.
The $22,747 debt-to-$40,113 income ratio translates to about 7 months of earnings. Standard loan terms should handle this comfortably.
At #209 out of 348 programs, University of Northern Colorado's financial outcomes for Teacher Education trail the majority of peers. The value case depends on other factors.
Earnings growth is modest: $40,113 to $46,181 over five years (15% gain). This field may have a lower salary ceiling than high-growth professions.